3650 Stephen Rd, Lady Lake, FL 32159 Property Records

Lake County property record for 3650 Stephen Rd, Lady Lake, FL 32159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1991
Lot Size	1 acres (43,827 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Aug 2005)
Tax Bill	$2,612 (2024)
Deeds & Mortgages	May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`27-18-24-0050-000-00700`

Property Details

APN / Parcel Number

Primary APN	`27-18-24-0050-000-00700`
Alternative APN	`3570146`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,374 sqft Living Area
1st Floor Area	1,374 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2022
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	43,827 sqft (1 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	1,086 sqft
Utility Building	2,176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3570146
Street Address	3650 STEPHEN RD
City	LADY LAKE
State	FL
Zip	32159-5327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENN HILLS SUB LOT 7 PB 31 PGS 51-52 ORB 2921 PG 1414
Legal Range	24E
Legal Township	18S
Legal Section	27
Legal Subdivision	GLENN HILLS
Legal Tract	50
Legal Lot Number	7
Jurisdiction	LAKE FL
Township / Civil Division	FRUITLAND PARK-LADY LAKE
Census Block Group	1
Census Block	1034
Census Tract	30411

Owner

Source: Lake County records, as of December 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3650 STEPHEN RD, LADY LAKE, FL 32159-5327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2005 · Amount on Record
Deed Sale	Aug 17, 2005 · Amount on Record
Prior Sale	Dec 20, 2001 · Amount on Record
Deed Document Number	2005127885
Deed Book / Page	2921 / 1414
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE FL
Property Address	3650 STEPHEN RD, LADY LAKE, FL 32159-5327
Document Number	0049440359
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3650 STEPHEN RD LADY LAKE FL 321595327, LADY LAKE, FL 32159-5327

Mortgage

Document Number	0049440359
Date	May 12, 2017
Book Page	004944/000359
Instrument	52349

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	May 11, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lake County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Lake County
Unified School District	Lake County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$180,300 (+5.98%) Land $43,200 Building $137,100	$197,851 (+2.49%) Land $43,200 Building $154,651
2024	$2,612.00 (+11.72%)
2023	$2,338.00 (+8.95%) Homeowner's exemption	$170,120 (+3%)	$193,039 (+0.03%) Land $43,200 Building $149,839
2022	$2,146.00 Homeowner's exemption	$165,170	$192,980 Land $43,200 Building $149,780

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20